Life and Health Insurance (2)

Sickness and death are not subjects people take pleasure in bringing up at cocktail parties. However uncomfortable the subject, preparation is crucial. Life and wellness insurance are two of the major components of preparation. Therefore, it’s imperative that you pick a good life and health insurance company.

The most important consideration in finding an excellent life and health insurance company is its financial strength. When it comes time to file a claim, you would like to make sure that your life and health insurance company gets the financial wherewithal to handle your claim expeditiously and diligently. Obviously, pick in finding such a organization is to shop around as well as do research.

Check online for that life and well being insurance company’s financial ranking. There are five self-sufficient agencies that fee the financial strength of insurance companies. These kinds of five are Weiss, Regular & Poor’s, Moody’s, Fitch, and A.M. Greatest. Each of these five possess its own standards of rating life and also health insurance companies. Due to this, it would benefit you to determine the ratings of more than 1 independent agency to get a good overall picture.

Many life and health insurance companies who’re rated by these types of independent agencies tend to be quick to point out any kind of positive reviews and rankings they receive. Nevertheless, you should be cautious whenever reading life and also health insurance company propaganda. They’ll only include positive reviews and exclude any kind of negative ones. Also, it’s important to keep in mind that the ratings scales will change among the agencies. For instance, an \”AA\” rating through one agency may not be as high as an \”A++\” score by another.

One other thing check when choosing insurance companies is their license. Don’t assume all company is licensed to do business in every express. You should always purchase life and health insurance from a company licensed to do business in your state. By doing so, you will be entitled to protection because of your state’s insurance department for those who have a problem with the company.

Each and every state has a \”guaranty fund\” obtainable in case of issues. A guaranty finance protects customers of life and wellness insurance companies should they turn out to be insolvent. When you sell to a licensed insurance company plus they are financially unable to pay your claim, the actual guaranty fund offers a mechanism to have the statements of policyholders compensated. Not all companies are addressed by a guaranty account, however. These companies consist of Health Maintenance Service Organizations, such as Glowing blue Cross. As well, Insurance Swap, Fraternal Benefit Society, and Health Maintenance Organizations are excluded. While all states have this fund proven, some key points of the fund can vary by state. Check with your own state’s insurance department regarding details.

Like, lets say you plan on having a new car, eventually buying a house, eventually having 2 or more kids, vehicle and health insurance, is there something out there on the net that calculates how much you’ll need to make to have those kinds of things?

I just took and successfully passed the Life, Health and Accident life insurance exams. I have to wait 24-48 hrs for my scores to be forwarded before I can submit my application for my license. I am wondering how long it takes to get approved for the license? And how long til I receive my license in the mail?? Thanks

I’m doing a project for school and what would an average price be for 2 people with just a regular car, like a honda or something, nothing fancy, for auto insurance. and for 2 healthy people for life insurance and health? i’ve website but you have to give all this info for a quote, but i’m just looking for an average froma ny companies.

>
>
> *There are actually two messages here. *
> **
> *The 1st is very interesting, but the 2nd is absolutely astounding – and
> explains a lot. *
>
>
>
> A recent “Investor’s Business Daily” article provided very
> interesting statistics
> from a survey by the United Nations International Health Organization.
>
> Percentage of men and women who survived a cancer five years
> after diagnosis:
>
> U.S. 65%
>
> England 46%
>
> Canada 42%
>
> Percentage of patients diagnosed with diabetes who received
> treatment within six months:
>
> U.S. 93%
>
> England 15%
>
> Canada 43%
>
> Percentage of seniors needing hip replacement who received it
> within six months:
>
> U.S. 90%
>
> England 15%
>
> Canada 43%
>
> Percentage referred to a medical specialist who see one within
> one month:
>
> U.S. 77%
>
> England 40%
>
> Canada 43%
>
> Number of MRI scanners (a prime diagnostic tool) per million
> people:
>
> U.S. 71
>
> England 14
>
> Canada 18
>
> Percentage of seniors (65+), with low income, who say they are
> in “excellent health”:
>
> U.S. 12%
>
> England 2%
>
> Canada 6%
>
> And now for the last statistic:
>
> National Health Insurance?
>
> U.S. NO
>
> England YES
>
> Canada YES
>
>
> Check this last set of statistics!!
>
> The percentage of each past president’s cabinet who had worked
> in the private business sector prior to their appointment to the
> cabinet. You know what the private business sector is: a real-life
> business, not a government job. Here are the percentages.
>
> T. Roosevelt………………. 38%
>
> Taft…………………………….. 40%
>
> Wilson ………………………… 52%
>
> Harding……………………… 49%
>
> Coolidge……………………. 48%
>
> Hoover……………………….. 42%
>
> F. Roosevelt………………. 50%
>
> Truman………………………. 50%
>
> Eisenhower……………….. 57%
>
> Kennedy……………………. 30%
>
> Johnson…………………….. 47%
>
> Nixon…………………………. 53%
>
> Ford……………………………. 42%
>
> Carter…………………………. 32%
>
> Reagan………………………. 56%
>
> GH Bush……………………. 51%
>
> Clinton ……………………….. 39%
>
> GW Bush……………………. 55%
>
> Obama………………… 8%
>
> This helps to explain the incompetence of this administration:
> only 8% of them have ever worked in private business!
>
> That’s right! Only eight percent—the least, by far, of the
> last 19 presidents! And these people are trying to tell our big
> corporations how to run their business?
> Note that the only Presidents below 33 1/3 % were Democrat.
>
> How can the president of a major nation and society, the one
> with the most successful economic system in world history, stand and
> talk about business when he’s never worked for one? Or about jobs when
> he has never really had one? And when it’s the same for 92% of his
> senior staff and closest advisers? They’ve spent most of their time in
> academia, government and/or non-profit jobs or as “community
> organizers.” They should have been in an employment line.

I am 19 and I think I have had quite enough of being an irresponsible punk and definitely had enough of my home town. I have completed a semester of college, not as much as I would have liked. My life had kinda been put on hold due to heroin and meth addiction. As of the past 2 months, I have completed a 2 week day treatment program at Kaiser and have been going to NA meetings. Although I have slipped up a couple times, I think I have fair control over my using. I have not used for more than 2 weeks. Not really long to most people, but when you’re on heroin it’s quite long.

Anyways, I don’t really know how to start my life. My parents never really taught me any life skills, I always had to learn on my own. But I do have a couple goals to achieve:

– I would like to get a good job (obviously lol)

– Would like to start paying for my own health insurance and have control over my medications and health plan

– Continue school (I have signed up for summer classes)

– Move out as soon as possible

Now is there some sort of website that can help life planning like this? Can anyone give me some sort diagram or planning system for this?

My husband has diabetes. We do not have health insurance. He is eligible to get some help from the VA as he was in the Navy, but so far he just hasn’t gone. It is now affecting our sex life and has for over 2 years. The last time that I know he checked his blood sugar it was well over 400. If I can’t get him to eat better ( such as cutting down on his carb portions that turn into sugar), is it too wrong of me to take out a life insurance policy on him. He is 43. We’ve been married for just 5 years. I need considerate and helpful advice.

My BMI is 33.7 but I am 100 pounds over my ideal weight. I also have hypertension. The medications that I am have caused me to gain this weight within the past 6 months. My doctor has advised me against quitting them.
I cannot afford the lap band surgery. I am looking to either take out a loan or possibly get health insurance. Does anyone know what health insurance companies cover (even if only partially) this surgery? Has anyone had experience, and would I qualify under the insurance’s terms?
age 21
height 5’7
weight 215
I have body dysmorphic disorder and this extra weight has depressed me to the point where I cannot leave the house. I will not be able to function again in society if I do not lose this weight. Can my mental illness make me qualify?

In other words, if two parents are separated, and the children have health insurance coverage through the fathers work, can the mother purchase additional coverage to cover other charges not covered by the fathers insurance?

Yesterday I was told that obama was going to make it so we have to pay tax on the health insurance our employers pay. True or not? My husbands employer has already paid over $11,000 in health care for us.
Ok thankyou everybody! I was hoping it was just a rumor and I was looking online and didn’t find anything current.

Read the Intelligence Report in the 2-20-08 edition of Parade Magazine. Medicare’s budget is 400 billion dollars. The article says 70 billion dollars were paid out in fraudulent claims. That’s 17.5%. Do you still think government run health insurance is a good idea? If the US government ran a program for everyone, what would the budget be? two trillion?
What would be the amount of fraud? 350 billion dollars if the fraud rate stays the same.

I am total stoked about getting health care deducted from my paycheck. Now I will have Social Security, Workers Comp, and Health Insurance all on my paycheck. I am looking forward to the additional tax boxes on my W-2 also showing that I paid. I am a little bummed that they will be deducting for four years before I can get on a government but hey now we can all afford to live life to the fullest without fear of out of pocket expenses. Yea.

I’m just curious. Like if you have lung cancer do to excess smoking(just an example), will the health insurance companies leave him to die because of his lack of income and his bad health? Please answer this and the above question as best as you can because I think this world is cruel!

1.1 After verification and confirmation of details contained in your submitted Resume/CV, it is with great pleasure that we extend to you the offer to join the Western Geco Ltd in UK as (SENIOR ELECTRICAL ENGINEER) a total monthly wage of GBP 8,200.00 (Eight Thousand Two Hundred British Pounds Sterling) Only.

You have been requested to join the Western Geco Ltd in the UK on JULY 23RD 2007. Western Geco Ltd shall arrange and pay for your flight ticket to join us in the UK for commencement of job in due time upon your compliance with the Western Geco Ltd/ British Expatriate Services paper works requirements.
JOB STATUS:
You shall be expected to enter into an initial job engagement contract with the Western Geco Ltd for a maximum duration of 365 days and can be converted/renewed to full-time service or otherwise upon your successful/satisfactory performance and preference.
Where the Government of the EU/UK either by legislation or administrative pronouncement, provides for new and/or additional benefits, including increase in salaries or directs that such benefits should apply to private sector, the Western Geco Ltd and you shall meet to discuss the new measures.

You shall be entitled to travel and relocation expenses plus travel/ contingencies allowances of GBP3, 200.00 that is excluded of relocation expenses and flight ticket prior to your job commencement as part of our service commitment/incentive to encourage our employees who have met our official statuary requirements.

1.2 YOU HAVE BEEN OFFERED THE POSITION SENIOR ELECTRICAL ENGINEER:

As one of our Senior Electrical Engineers, you’ll provide specialist engineering technical support and advice in specifying appropriate maintenance, inspection and reliability activities. We’ll also require you to evaluate new systems and procedures and provide advice regarding application and support for their introduction. You’ll identify, share and apply best practices, both from within Shell Group and from external sources, and provide electrical engineering support for projects and plant changes, either managed locally or by the project department. You can expect to assist the ENG Team Leader Electrical Engineering and ENG Distribution Engineer in long term planning of the electrical infrastructure and management of the generation and distribution system, including protection coordination, system modelling and system studies.
In addition to these tasks, you’ll also have the following tasks:
Acting as contract holder of a number of site term contracts Estimating or providing input to estimating for plant changes and projects Providing input to the site standards and procedures, electrical safety rules, guidance notes, electrical permit to work system, etc. Designing support for projects across the whole of the site Providing discipline input to multi-discipline teams looking at specific site issues or problems.
1.3 Other employment benefits/entitlements include and not limited to:
. Fully furnished accommodation (Family/Single housing)
. Medical, Dental and Optical care for employee/family
. Scholarship / Educational assistance
. Mobility.
. Relocation Expenses
. Life/Health Insurance Policy implementations
. Overtime Allowance benefits
1.7PARTY A shall pay to EMPLOYEE on satisfactory performance of the services stated in 1.1, the sum of ₤9,200 (Nine thousand two hundred pounds sterling) monthly basic salary, or equivalent depending on EMPLOYEE’S home country and currency preference.
(a)PARTY A shall pay EMPLOYEE for the services rendered under this agreement by cheque presented on a monthly basis upon due presentation and receipt of undisputed Quality single or family housing shall be provided by SPDC or in the alternative the sum of ₤2,000.00 per month shall be paid to you as Housing Allowance.
(b)The sum of ₤3,100.00 shall be paid to you for personal effects shipment and excess baggage allowance.
(c)SPDC shall provide you access to some of the finest social and recreational facilities in the United Kingdom.
(d) SPDC will provide the employee with comprehensive health care for the terms of contract and follow-on care for injuries suffered during the term of contract for employer and family.
(e)The sum of ₤2330.00 per month shall be paid to you as Educational Assistance Benefit with family status contracts.
(f)Complete meals for you as deemed appropriate.
(g) ₤3.200.00 flat rate travel / entertainment allowance shall be paid by your employer for each international trip. Travel shall be by business / first class. However for the purpose of commencement, the cost of travel ticket shall be paid in addition to travel / entertainment allowance. Cost shall be substantiated and shall be the rate charged at the period / time of employees. Travel ticket including that of employees’ family only on employees’ early notification to employer and as shall be requested by employee.
(h) Employee shall also be entitled to maximum security including members of the state security service in housing community.
(I) the employee will be reimbursed by the employer for reasonable moving expense incurred only as a result of relocation or early termination of leases, storage charges: procurement of travel documents, immunization etc. Reimbursements shall be paid not more than five (5) working days from submission of report / and receipt as proof of payments.

1.4 CONTRACT ADMINISTRATION AND MANAGEMENT.

1.8 Serve as other wise specifically stated in a superseding document, the project administrator of PARTY A, shall maintain general administration and management of this contract on behalf of PARTY A and all correspondences relating or pertaining with this agreement should be made, forwarded, addressed to same.

1.9PARTY B / EMPLOYEE agree to indemnify PARTY A in respect of any third party claims arising from PARTY B’s performance of this contract.
2.0 This agreement shall not be assigned or transferred in part of whole by due to termination of same any party to this agreement without prior written consent of the other party, which consent shall not unreasonably be withheld. Notwithstanding any of the aforementioned obligations, terms and conditions neither party shall
be deemed, considered in default of any of its obligations under this agreement as a result of “Force Majeure”, but if an interruption of performing the obligations under this agreement as a result of “Force Majeure’ condition for a period more than one month; PARTY A shall pay EMPLOYEE only 70% of the amount stated in paragraph 1.7 of this agreement as standby or agreement termination fee.

PARTY A shall; in the event of default or non-compliance of PARTY B/EMPLOYEE with the terms and conditions of this agreement; in writing give notice to PARTY B / EMPLOYEE specifying the areas of default and PARTY B / EMPLOYEE shall upon receipt of the said notice have ten (10) calendar days to rectify to the satisfaction of PARTY A the said default.

1.5 WORK HOURS.

The working hours shall be 40 hours working per week: Monday to Friday inclusive. Saturdays, Sundays and Gazettes public holidays shall be rest days. However, some employees’ who work on shift may have different work hours and rest days other than Saturdays and Sundays.

1.6 WEEKEND/ HOLIDAY DUTY ALLOWANCE:

Where an employee is required to be on duty on Saturdays, Sundays and Gazette public holidays, he will be paid as follows:
Total Performance: 9.0%- for work done for 6hours and above

Partial Performance: 4.5%- for work done for 3 hours but not up to 6 hours

Transport Allowance: GBP 30.00 per day worked
Meal Allowance: GBP 40.00 per day worked

1.7 SHIFT ALLOWANCE:
Western Geco Ltd shall pay shift allowance of GBP 45.00 only per shift to employees who work on shift either in the offices or fields.

Presence Weekend (PW), this rule will apply to periods arising from delays in evacuating the field, location site or office according to the arrangements subsisting between the Western Geco Ltd and the Department in question.

1.8 VACATION:
You shall be authorized Three (3) times paid vacation (Not exceeding 21 Working Days) each year, to be used at your discretion after duly informing and receiving approval from employer’s management. Employer will pay for travel expenses (i.e. flight tickets) and flat rate travel allowance of GBP2, 800.00.

COMPASSIONATE LEAVE:
In the event of death or serious illness of employees’ father, mother, wife husband or child, necessitating presence of staff, Western Geco Ltd shall grant compassionate leave with pay up to a maximum of 12 working days per year.
INTERNATIONALIZATION OF EMPLOYEE:
You shall be given the opportunity for international assignments within the group for the acquisition of experience and exposure to enhance your competence and not limited to job engagements as shall be required by the Western Geco Ltd as such you shall also be entitled to benefits on such issues.
DISCIPLINE:
You are expected to recognize the right of the Western

1.TERMINATION:
In addition, the company reserves the right to terminate the employment of any staff who flagrantly or repeatedly fails to comply with the company’s code of conduct or commits an offence of a magnitude that the company considers him unsuitable to be in its employment.

2.SUMMARY DISMISSAL:
In rare cases, an employee may be dismissed for the commission of a grave offence, in which case no notice is given. Such offences shall include inter-alias.

a)Theft and fraud in connection with company’s business or property. Any staff found guilty or implicated in any of these offences may be liable to prosecution.
b)Disclosure of confidential information of the company or its associate to a third party.
c)Conviction and/or imprisonment for criminal offence.

The Employee’s High Commission, Embassy/Consulate shall be given benefit of consultation in any case involving the dismissal of its citizens as such, Employee will also be given the chance of fair hearing and proper investigation prior to decisions conclusion.

With compliance with the mobilization, advancement & reimbursement policies (MA&DP) of the Western Geco Ltd, you shall be required to incurred all initial expenses as a result of your documentation & paper work processes/procurement and would be reimbursed in not more than five (5) working days upon your submission of invoice receipt or proof of incurred expenses.

This is for confirmation of readiness & seriousness of employee to join the Western Geco Ltd. team within the stipulated time frame and also based on previous occurrences experienced by our corporate management from expatriate services employees.

NOTE: You would be required to personally bear the initial expenses as regards the processing, procurement and acquisition of your legal immigrant paper works as a sign of your readiness and seriousness to join our team here in the UK in due time and you shall be reimbursed incurred expenses by the Western Geco Ltd management prior to your resumption in not more than Five (5) working days from date of your acquisition of the legal permit documentation , if you do not find this term agreeable, then do not hesitate to furnish us with a letter of
declination of your job engagement offer as soon as possible to enable us timely replacement on your position.
Welcome to our family.
Sincerely,

im an 18 year old female and my dad dropped the ball a while back and i havent had health insurance for 2-3 years now. and i need health insurance so where can i get health insurance? i make little money like pretty much $30 a month cuz i have a part time job where i work once maybe twice a month i live in california. prefferably a health plan just for health and dental if possible…but really anything will do at this point

I work, she doesn’t. Although I make decent money ($40,000/yr), my job doesn’t offer health insurance or any other benefits. We want to have our first baby, but I can find very few private insurance companies that offer maturnity insurance, and the ones that do want the farm for it. Any advice? I think I make too much for her to get on termporary Medicaid….I would like a complete health insurance plan for both of us that includes maturnity, couldn’t find anything under $350/month!!! and even with that, theres high deductables… and we live in Missouri. Any info is appreciated thanks.
We’re are getting married really soon…
There’s always gotta be one that must throw in a di$khead comment…. and let me be more clear, I WON’T be getting insurance until we are MARRIED…so we WILLLLL be married at the time of purchase.
There’s always gotta be one that must throw in a di$khead comment…. and let me be more clear, I WON’T be getting insurance until we are MARRIED…so we WILLLLL be married at the time of purchase.

I found out my fathers health insurance company canceled my health coverage. I was under the impression that there was a law on the books in New Jersey that said health insurance companies could not drop full time students.

Has anybody heard about world health insurance company? its asking for my doctor records. I am concerned that they will end up on MIB or other insurance companies. Also, isnt it weird asking for records for a health insurance? I thought they only do that for life and disability insurances.

I went to the doctors about one week ago. We got a bill from my insurance company that requested proof of my student status before they payed the bill. However, I dropped out over a year ago and my parents do not know. If I pay the bill myself, is there a chance that my health insurance company might still find out and then notify my parents about my student status?

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy.

There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services?

Also, are there any good tips for saving money buying life insurance for small business owners?

I am asking this question for a friend of mine. I already have insurance.

My friend took a pregnancy test and was surprised when it came out pos. Anyway, she doesn’t have health insurance so she hasn’t made a doctors appointment yet. Were she lives there is a family planning and I told her to call them and go to them. I do know they have a health insurance you can get through them and what not. But I want to find a few different insurances she can look into and find the one that best fits her and her boyfriend’s needs. I have heard of some people on here talking about an insurance that can’t turn you down if you are pregnant. So I was hoping you all could help me and give me the names of insurances and hopefully a website that she could check out. Thank you for your time.
Thank you medicaid is the one I was thinking about but didn’t know the name of it. She is going to call family planning on monday. She is also going to ask them about it. Again thank you all.

I am begining to research self employed insurancein the state of Texas. The coverage will be for 1 adult and two teeanagers. The adult utilizes mothly prescriptions and one of the teenagers needs braces.

Can anyone suggest an affordable company that has a great reputation. We are currently with NASE and the coverage for prescriptions stinks.

My dad got life insurance 10 yeras ago, and now the price of the premium has increased 8 times more than what we were paying. Since his 10 years of life insurance at the affordable rate has expired, I’m thinking of asking him to renew it, but we were paying at such an affordable price. But he doesn’t want life insurance and doesn’t seem to care about protecting the family in case of his death. But I’m wondering, is life insurance that is something really worth it? My dad is a healthy individual. And even if we pay, would the premium have gotten up? My add is over 50, and I’m wondering if our premium will double even though if they check his health again. What do you think?

My fiance has medical covered at his job, but i am always afraid that he might lose it, or that we won’t have medical when we need it. I’m not on his medical yet, but as soon as we get married i will be. Would it be wise for me to get health insurance from an insurance company until we get married? should i keep it after i get married also? what exactly is the purpose of it?

With sky high insurance health premium, will it not make a sense that 31 million uninsured American stand behind Obama?
Is America so poor to give affordable health care to all Americans?
What is wrong with being provided a choice of health care coverage?
Must everyone be stuck with greedy insurance companies?
Do America christians/conservative/republicans care more for restricted choices(monopolistic insurance companies)than for fellow not sure money loaded Americans?
What kind of christian country has mighty money to wage wars but has no money to look after the health of it’s own needy people?
What kind of christian/Godly country has all the money to go to space but cannot afford health care on our earth?
What kind of christian will vote for wars but vote against health care for their fellow citizens?

I read an article in a magazine about how a man who desperately needed surgery for his heart and he was denied the money for that surgery by several health insurance companies. Eventually, the money was raised through the help of friends, family, and strangers. But by then it was too late. He was dying and those health insurance companies denied him. Maybe if they had helped him he would still be alive today.

I know it’s all about money and business, but do health insurance companies really not give a f*ck about people? Why would they be so cruel and deny coverage to the people who need it the most?

I’ve made preliminary inquiries to get life insurance for a 78 year-old female, however, I get the standard response of “no” because of her age and the fact that she has been hospitalized in the last year and has pre-existing conditions (COPD, high blood pressure, arhythmia). My sense, however, is that there may be life insurance companies out there with more accomodating terms for senior citizens. If you know of any such companies, or are experienced enough in life insurance to give a definitive “no- it’s not possible” response, please let me know. What are our alternatives, if any?

I got a letter from my health insurance carrier saying my coverage was being terminated as my employer did not pay the premium for the last three months. However, They have taken the premium’s out of my paycheck every pay period and they show it on the check. The insurance company also says I will be liable for any services they paid for during this period. What can I do.